01 - Heat a large oven-proof skillet over medium-high. Add the ground beef and cook, breaking apart with a spoon, until well browned. Drain excess fat if necessary.
02 - Add diced onion, minced garlic, and red bell pepper to the beef. Sauté until the vegetables are softened, about 3 to 4 minutes.
03 - Stir in drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper, blending thoroughly with the meat and vegetables.
04 - Pour in the enchilada sauce and tomato sauce, stirring to combine all components evenly.
05 - Arrange half of the quartered tortillas evenly over the beef mixture, then sprinkle with half of both cheeses. Layer remaining tortillas and top with remaining cheese.
06 - Reduce heat to low, cover the skillet, and allow to simmer for 5 to 7 minutes, until thoroughly heated and cheese is melted.
07 - For a golden, bubbling top, place the uncovered skillet under the broiler for 2 to 3 minutes, monitoring closely.
08 - Garnish with sliced green onions, chopped cilantro, sour cream, or diced avocado as desired. Present hot.